Application of IPO is very convenient and straightforward, my recent applications of 99 Speedmart get allotted 50% of application. No application fees charge, only pay when I get allotted, can use max buying power margin to apply, so all my idle money works in MMF till the last drop. Any better platform than Moomoo? Not that I know of at this moment

Trade with the excess fund on top of your daily needs. Eyeing on company with solid fundamental and sounds business outlook. Segregate fund into 3 parts to prepare for averaging down. Set a profit taking target.